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Sales don't fall from the sky, same goes for CBs. I doubt any 3rd party processor would keep a client that brings 15 CBs when doing 100 transactions. (needless to say you won't manage to get a merc. account with such low volume) Would you keep such client that brings 15% cbs? Let's not forget that registered IPSP provide VISA full info regarding each paysite, their sales and chargeback; so paysites are not really under the umbrella of a 3rd party processor like in the past. Getting a hripsp in states is like mission impossible. Webmaster's best choice is to look at Europe which is easier and the rates are different as well.
If you exceed the CB rate it means you are doing something wrong and you are doing it big time. I'll agree with you when someone looks to get a merchant account (especially a high risk) he should make sure to educate himself. It's not that simple, but it's not the impossible thing processors want to make it look. You know what's funny? I never saw anyone ever saying how the fines of visa and mastercard are applied on what scale and timeframe, but I've seen several times people saying if you exceed VISA's 1% cb rate (regardless the number of chargebacks) you are automatically put to TMF and you are fucked for life which is not true. Webmasters are not educated cause nobody bothered to give him the whole picture. The flow of info is always towards a specific direction. I can't debate you on adult processing, that's your field, but I can tell you as a non-biased webmaster what I see. I have said in the past I admire epoch for what has achived, but also I have my worries for where adult processing is going....
thanks
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